Minnstar Bank N.A.: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Cash and balances due from depository institutions climbed 39.4% in Q2 2026, from $11.5M to $16.1M. It was the largest change from Q1 2026 among the key lines here. Minnstar Bank N.A. ranks 45th of 221 Minnesota banks on loan-to-deposit ratio, in the upper half at 95.53% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Minnstar Bank N.A. sits 14.58 points higher, at 95.53% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $16.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $25.3M |
| Fed funds sold and reverse repos | $1.7M |
| Fed funds sold and reverse repos to assets | 0.83% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $2.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.98% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.53% |
| Net loans and leases to deposits | 94.22% |
| Loans and leases to core deposits | 105.28% |
| Core deposits to total deposits | 90.73% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 104.23% | 91.99% | $0 | $14.0M |
| Q4 2023 | 104.97% | 91.31% | $402K | $14.0M |
| Q1 2024 | 94.74% | 92.90% | $0 | $14.0M |
| Q2 2024 | 97.65% | 84.98% | $0 | $9.5M |
| Q3 2024 | 94.37% | 85.99% | $0 | $9.5M |
| Q4 2024 | 95.06% | 89.37% | $0 | $8.0M |
| Q1 2025 | 93.79% | 88.62% | $0 | $6.0M |
| Q2 2025 | 94.88% | 86.57% | $0 | $5.0M |
| Q3 2025 | 91.15% | 86.26% | $0 | $2.0M |
| Q4 2025 | 93.41% | 87.67% | $0 | $2.0M |
| Q1 2026 | 98.55% | 91.71% | $0 | $2.0M |
| Q2 2026 | 95.53% | 90.73% | $0 | $2.0M |
Minnstar Bank N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Minnstar Bank N.A., freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Minnstar Bank N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13809) · FFIEC NIC profile (RSSD 89854)